EMI vs SIP for ₹4,200,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 42,599
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 37,788
Monthly Savings
₹ 4,811
SIP Investment
@ 12% for 20 years
₹ 4,806,607
Extra Interest Paid
₹ 1,401,382
Final Outcome
₹ 3,405,225
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 9%, investing savings can generate ₹4,806,607.
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